Stockbridge, GA · Cert 34285
FDIC
Q3 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.38% | 0.16% | -0.17% | -0.20% | -0.16% | -0.19% | 0.39% | -0.48% | -28 bps | |
| Return on Equity | 3.90% | 1.67% | -1.67% | -2.03% | -1.65% | -1.99% | 4.24% | -5.41% | -338 bps | |
| Net Interest Margin | 4.05% | 3.62% | 3.67% | 4.08% | 3.86% | 3.84% | 3.63% | 3.92% | -16 bps | |
| Efficiency Ratio | 80.69% | 92.14% | 104.25% | 100.75% | 101.83% | 103.13% | 87.09% | 112.57% | +1,182 bps | |
| Non-Interest Burden | 3.19% | 3.29% | 3.84% | 4.11% | 3.93% | 3.97% | 3.02% | 4.47% | +36 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.01% | 3.32% | 2.03% | 4.95% | -2.32% | 5.32% | 8.30% | 9.62% | +466 bps | |
| Loan Growth (YoY) | -6.37% | -8.70% | -6.80% | -1.60% | 5.52% | 16.43% | 16.65% | 12.07% | +1,367 bps | |
| Deposit Growth (YoY) | 14.46% | 8.45% | 5.37% | 3.04% | -1.88% | 6.35% | 9.49% | 13.78% | +1,074 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.02% | 1.70% | 0.00% | 0.42% | -1.51% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.82% | 1.89% | 1.44% | 1.32% | 1.22% | 1.53% | 1.51% | 1.44% | +12 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 12.98% | 13.59% | 12.98% | 12.51% | 12.33% | 12.32% | 12.41% | 11.81% | -70 bps | |
| Equity / Assets | 9.60% | 9.94% | 10.12% | 9.43% | 9.56% | 9.21% | 9.10% | 8.61% | -82 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.37% | 75.59% | 78.51% | 83.36% | 82.14% | 82.76% | 83.65% | 82.10% | -125 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |